Insurance policies for licensed soccer players offer a range of guarantees to cover the risks associated with playing the sport. These coverages generally include payment of medical expenses in the event of injury, compensation in the event of permanent or temporary disability, and financial compensation in the event of the player's death. Some policies also cover material damage to sports equipment. In the event of damage sustained during a sporting activity, the player or club must follow a declaration procedure with the insurer. This generally involves filling in an accident declaration form, available from the club, association or league. This form must be completed with precise details of the incident and the circumstances surrounding the accident. It must then be submitted to the insurer within a specified time, along with all relevant medical documentation. Once the declaration has been received, the insurer assesses the risk and determines the compensation payable in accordance with the terms of the guarantee contract. As a result, clubs and players can concentrate on their passion for soccer, safe in the knowledge that they are protected against the unforeseen events of sporting life.